In ideal risk management, a prioritization process is followed whereby the risks with the greatest loss (or impact) and the greatest probability of occurring are handled first, and risks with lower probability of occurrence and…

The insurance industry has engaged in a “Race to the Bottom”! Many companies appear committed to commoditizing insurance products by heavily advertising savings money over every other company without consideration and understanding of a client’s…

Most producers are aware that whole life insurance has been a traditional funding vehicle in defined benefit plans but there are also instances when it can be a smart choice in profit sharing plans. A…